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Privacy Notice

Rev. 01/2015

FACTS

WHAT DOES GOLDENWEST CREDIT UNION AND USU CREDIT UNION A DIVISION OF GOLDENWEST DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers
the right to limit some but not all sharing. Federal law also requires us to tell you how we collect,
share, and protect your personal information. Please read this notice carefully to understand what we
do.

What?

The types of personal information we collect and share depend on the product or service you have
with us. This information can include:

• Account balances

• Credit card or other debt

• Transaction history

• Employment information

• Transaction or loss history

When you are no longer a member, we continue to share your information as described in this notice.

How?

All financial companies need to share members' personal information to run their everyday business.
In the section below, we list the reasons financial companies can share their members' personal
information; the reasons Goldenwest Credit Union and USU Credit Union a division of Goldenwest
chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Goldenwest Credit
Union and USU Credit
Union a division of
Goldenwest share?

Can you limit this sharing?

For our everyday business purposes -
such as to process your transactions, maintain your
account(s), respond to court orders and legal
investigations, or report to credit bureaus

Yes

No

For our marketing purposes -
to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates' everyday business purposes -
information about your transactions and experiences

To protect your personal information from unauthorized access and use, we use
security measures that comply with federal law. These measures include computer
safeguards and secured files and buildings.

We also maintain other physical, electronic and procedural safeguards to protect
this information and we limit access to information to those employees for whom
access is appropriate.

We also collect your personal information from others, such as credit bureaus,
affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only
• sharing for affiliates' everyday business purposes - information about your
creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.
See below for more on your rights under state law.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and
non-financial companies.
• Goldenwest Credit Union and USU Credit Union a division of Goldenwest
has
no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and
non-financial companies.
• Goldenwest Credit Union and USU Credit Union a division of Goldenwest
does
not share with nonaffiliates so they can market to you.

For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with
nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For California Members. We will not share personal information with nonaffiliates either for them to market to you or
for joint marketing - without your authorization. We will also limit our sharing of personal information about you with
our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or
share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For Vermont Members. We will not share personal information with nonaffiliates for them to market to you without
your authorization and we will not share personal information with affiliates or for joint marketing about your
creditworthiness without your authorization.